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Hey Tina,

I was doing a little looking on the net for New Zealand specific info. This link appears to have good info, but i believe it is also an advert in some way.

here is a link from the citizens advice bureau re debt management. Lots of links off of it and advice. Worth a look I would think.

One day at a time! It can get overwhelming when all our games come home to roost! Everyone is looking to get paid in the end. Too bad we couldn’t send them to the one s who we gave the money to. Chin up. You have an addiction you now realize but you are dealing with it.

Take care,